Dakota Heritage Bank in North Dakota vs the state
0.0%Denial rate-11.44 pts vs state
0.0%Decision denial rate-13.72 pts vs state
100.0%Origination rate+30.31 pts vs state
—Median rate
—Rate spread (pts)
$70kMedian applicant income
23Loans originated
0Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 25 | 0.0% | — | #86 |
| 2024 | 25 | 24 | 4.0% | — | #86 |
| 2025 | 23 | 23 | 0.0% | — | #99 |
What Dakota Heritage Bank lends in North Dakota
By loan purpose
By loan type
Where in North Dakota
Counties with the most Dakota Heritage Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stutsman County | 10 | 10 | 0 | 0.0% |
| Cass County | 6 | 6 | 0 | 0.0% |
| Wells County | 3 | 3 | 0 | 0.0% |
| Traill County | 2 | 2 | 0 | 0.0% |
| McHenry County | 1 | 1 | 0 | 0.0% |
| Barnes County | 1 | 1 | 0 | 0.0% |
Other large lenders in North Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Gate City Bank | C | 3,106 | 11.3% | 6.65% |
| First International Bank & Trust | B | 1,112 | 4.0% | 6.63% |
| United Shore Financial Services | B | 881 | 7.5% | 6.25% |
| Rocket Mortgage | C | 827 | 21.6% | 6.63% |
| Bell Bank | A | 806 | 7.7% | 6.99% |
| First Community Credit Union | B | 675 | 7.1% | 6.49% |
| Capital | C | 646 | 3.7% | 7.00% |
| TOWN AND COUNTRY Credit Union | B | 571 | 2.1% | 6.25% |
| Mortgage Research Center | C | 500 | 13.6% | 6.25% |
| Fairway Independent Mortgage | B | 497 | 3.0% | 6.40% |
Frequently asked questions
North Dakota: 23 applications in 2025, of which 23 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Dakota Heritage Bank's own HMDA filing for properties located in North Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology